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Questions & Answers for brand_no_fee_checking_main Free Checking Accounts

Question

How long does it take for electronic funds transfers from the USAA account to reach an external bank account?

My girlfriend and I have a joint account for housing bills and such. She is not a USAA member, and therefore, the joint account has always been held in bank other than USAA. I am thinking of moving my personal banking to USAA, but I need to know roughly how long it takes for electronic funds transfers to make it to external bank accounts.

Thanks!
Asked 4 years, 5 months ago
by PatrickA
Omaha, NE
0points
0out of 0found this question helpful.
67 answers
Answers
answer 1
Hello,
I use the transfer function monthly. It takes 24-48 hours for a one time setup. My experience is that the transfer from another bank to USAA is instant, for example I can transfer from another bank to USAA and I can go to an ATM to withdraw funds. To transfer funds FROM USAA to another bank depends on THAT BANK! I know that Wachovia has the before 2 PM rule meaning if funds are deposited after 2 PM you will have to wait until the next BUSINESS DAY. All in all USAA rocks but I would recommend a test run of $10.00 from one account to another.
answered 4 years, 5 months ago
by MarkF
Amman, Jordan
+2points
2out of 2found this answer helpful.
answer 2
It usually takes around 2 business days. The hold up is ALWAYS the other bank.

I used to have a local bank account and my current USAA account. I would make transfers often. USAA allows you to link other bank accounts for easy transfers if it is an account to transfer in/out of regularly, which speeds up the process a little bit.

I did notice that when I transferred money into my USAA acount from my non-usaa account, I would have the money faster than when I did things the other way around.
answered 4 years, 5 months ago
by ambyrjoi
Clarksville, TN
0points
0out of 0found this answer helpful.
answer 3
Anywhere between 2 and three days in my experience. I've not had any problems and trust their service.
answered 4 years, 5 months ago
by Justasked
Nebraska
0points
0out of 0found this answer helpful.
answer 4
It generally takes two (2) business days, however it also depends on when the transfer was initiated.. The cut-off time for transfers will vary to your time-zone as far as the USAA side....now, on the external bank's side, they more than likely will also be affected by WHEN they receive the request for funds, or the notification of funds being sent.

If you xfr to an external account at 23:00 hours (11:00pm for civilians :-) ) then that outgoing xfr will not actually be counted for that same day, but for the outgoing of that next business hours day...then it will more than likely appear available to the external account the 2nd day after.

From what I have experienced, this is in fact the case.

Hope that helps.
answered 4 years, 5 months ago
by OOORAAAH
Atlanta, Georgia
0points
0out of 0found this answer helpful.
answer 5
Seems to be 2-4 days. USAA will pull it the same day, but the other banks vary. Hope that helps.
answered 4 years, 5 months ago
by DocG
Seattle
0points
0out of 0found this answer helpful.
answer 6
Every time I have made transfers to external accounts it has taken 48 to 72 hours.
answered 4 years, 5 months ago
by Zeus77
Tulsa, OK
0points
0out of 0found this answer helpful.
answer 7
It is fairly quick. It seems like USAA takes one business day or less to send the deposit, and then the other bank is your typical one to two business days for the deposit to be approved and actually "hit" the account.

Transfers of the opposite direction are instant. If you are logged into USAA and do a transfer FROM another bank account, you will receive the funds instantly, up to around $5000. Deposit@HOME checks also hit your USAA account instantly.
answered 4 years, 5 months ago
by Caleb S
Saint Louis Park, MN
0points
0out of 0found this answer helpful.
answer 8
It may depend on the external bank but I've found it takes anywhere from 3-4 business days.
answered 4 years, 5 months ago
by Stew
Pensacola, FL
0points
0out of 0found this answer helpful.
answer 9
I have always had it done same day if not immediately. The only time it wouldn't be same day is if it were on Sunday or a holiday. I transfer money to an outside account and can have it done same day during the week.
answered 4 years, 5 months ago
by Kern
St. Louis Mo
0points
0out of 0found this answer helpful.
answer 10
When we have transferred funds in the past it was usually completed within 24 hours; I think once it took about 48.
answered 4 years, 5 months ago
by ArmyGreen
South Korea
0points
0out of 0found this answer helpful.
answer 11
USAA will have the funds in your other bank account 24-48 hours after you make your request. You bank however may hold the funds for an additional 24 hours. So the max turn around will be 3 business days.
answered 4 years, 5 months ago
by lower insurance rate
Winston-Salem, NC
0points
0out of 0found this answer helpful.
answer 12
About 3 business days
answered 4 years, 5 months ago
by Muddy
Fort Drum, NY
0points
0out of 0found this answer helpful.
answer 13
Hi, I am a USAA member. My father is not. Occasionally, i send fund transfer to his account and he tells me that the deposit is always available on his bank within minutes. However, when I first set up my dad's account I had to allow at least 48 hours for USSA to verify the authenticity of the account number and all that. I also send my sister fund transfer too, very seldom, but she is able to see the transaction the same day too. Good luck whatever you decide to do.. :)
answered 4 years, 5 months ago
by elisa
el paso, tx
0points
0out of 0found this answer helpful.
answer 14
couple of days at the most !
answered 4 years, 5 months ago
by Paz1968
Jacksonville,fl
0points
0out of 0found this answer helpful.
answer 15
It really depends on the receiving institution. I've had them process in one business day for one bank and up to 4 business days for another. However, USAA makes the process rather simple.
answered 4 years, 5 months ago
by Charles Washington
Australia
0points
0out of 0found this answer helpful.
answer 16
My wife has an external account with Bank of America and she transfers money to our Joint Account with USAA. The transfer is usually about the same day. Now there can be a hold on some of the money for up to 5 days.
When I transfer money from my USAA account to my SunTrust Account it takes usually about 3-4 days.

I refuse to change from USAA when it comes to our joint account. Now my wife is changing from Bank of America to USAA because it is much easier.
answered 4 years, 5 months ago
by OIF VET
Fairfax, VA
0points
0out of 0found this answer helpful.
answer 17
Hi!
My mom runs into the same problem, since she has an external account outside of USAA. It takes about 3 business days to set up intially, and about 3 business days to transfer. Although she sometimes seen it in 2 business days. I'm not sure the factors, but I know she said the Customer Service person was able to help her out with setting it up and answering her questions.
answered 4 years, 5 months ago
by Kate Smith
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 18
about 3 work days.
answered 4 years, 5 months ago
by robertandroxann
arizona
0points
0out of 0found this answer helpful.
answer 19
External transfers really depend on the other bank. I set up an external bank account on my transfers site (easy as filling in a couple of questions like routing number, bank address and account number) and then can make transfers online. USAA processes them immediately. My external bank is somewhat slow (a small town local bank) so it takes about 2-3 days. For example, I made a transfer on Friday, Nov 6 and the funds were available Tuesday, Nov 10. Hope this helps.
answered 4 years, 5 months ago
by Keil
Athens AL
0points
0out of 0found this answer helpful.
answer 20
My husband and i had that same situation. The money would show up within 1-3 days... but it also depends on the receiving bank.
answered 4 years, 5 months ago
by CruzanDiva
Okinawa, JP
0points
0out of 0found this answer helpful.
answer 21
I have used that feature a couple times and the funds have transferred within 1 day. You have to keep in mind that USAA will put the transfer through, but it depends on the receiving bank on how long until the money will be available in your account. With things like this, you have to do a "trial and error." Test it out and see how your bank complies with USAA. My outside branch complied well, so I did not have to wait that long. Give it a try. And, also, you can open an account in her name as your spouse. I opened an account for my boyfriend and when we transfer funds between our accounts, they are available instantly.
answered 4 years, 5 months ago
by LilBit81
Westminster, CA
0points
0out of 0found this answer helpful.
answer 22
I have 40 + years of experience with USAA here and overseas. Wherever you are USSA is very prompt with their transfers. Incoming transfers are posted the same day (seven days a week). Outgoing transfers depend on the posting policy of the receiving bank which can sometimes take a couple of days especially over weekends.
answered 4 years, 5 months ago
by JT USAR
Angels Camp, CA
0points
0out of 0found this answer helpful.
answer 23
3 business days
answered 4 years, 5 months ago
by mytmike
savannah, Ga
0points
0out of 0found this answer helpful.
answer 24
I have usually been able to do a transaction between USAA and another bank within 24 hours, usually much quicker.
answered 4 years, 5 months ago
by ScubaGIJoe
Killeen, TX
0points
0out of 0found this answer helpful.
answer 25
When I was in the process of moving money from my old bank into USAA, it took a day or two. When I moved money out of USAA into external accounts outside of USAA it is usually same day or maybe one or two days depending on the recipient organization.
answered 4 years, 5 months ago
by dbacksfanbrian
Central Illinois
0points
0out of 0found this answer helpful.
answer 26
We send out a monthly payment to an external account. It shows posted the same day to the USAA account and shows up in 2 days to the external bank account. Hope that helps!
answered 4 years, 5 months ago
by Anonymous
Tucson, AZ
0points
0out of 0found this answer helpful.
answer 27
I transfer money alot from my USAA checking account to a non-USAA account. It usually takes 2 full business days. I think one time I saw it take 3 though. If you are going to use USAA as your primary account, I would just allow 3 full business days for it to get to your non-USAA account to be safe.
answered 4 years, 5 months ago
by Living Happy
0points
0out of 0found this answer helpful.
answer 28
In my experience it has been 24-48 hrs
answered 4 years, 5 months ago
by obccrn
Hawaii
0points
0out of 0found this answer helpful.
answer 29
I have never seen it take more than 2 days but i believe you can add her to your account as an account holder but under your name......
answered 4 years, 5 months ago
by jaysfx
montpelier, Vt
+1point
1out of 1found this answer helpful.
answer 30
Patrick

I tranfer my rent to my landlord external bank every month. The funds are taken out immediately. The transfer is complete about 1-3 days.

BB
answered 4 years, 5 months ago
by BB Clark
Triangele,Va
0points
0out of 0found this answer helpful.
answer 31
I transfer to an external account frequently and it usually takes about 2-3 days for the funds to become available. The initial validation of the external account takes about a day or two and once you link the accounts together it will happen pretty quickly. Hope this helps!
answered 4 years, 5 months ago
by SaraB1
0points
0out of 0found this answer helpful.
answer 32
Depends on the bank you are transfering funds into. My experience has been about 3 days.
answered 4 years, 5 months ago
by cantdepositathome
usa
0points
0out of 0found this answer helpful.
answer 33
Typically, about three business days. If you initiate the transfer on Monday morning, it usually posts by Thursday.
answered 4 years, 5 months ago
by poweredbyplaid
San Diego, CA
0points
0out of 0found this answer helpful.
answer 34
It takes about 2 business days.
answered 4 years, 5 months ago
by tlr123
Norfolk, VA
0points
0out of 0found this answer helpful.
answer 35
I've done transfers before to outside institutions and they have only taken 2 days maximum.
answered 4 years, 5 months ago
by GreenCoffin
Bend, OR
0points
0out of 0found this answer helpful.
answer 36
Normally USAA releases funds immediately; however, depends on the other bank on releasing the funds into your account. But one good thing is if you are tranferring from a bank to your USAA account the funds are there the same day. USAA trust its customer to put the funds into the account and they will handle getting the funds from the other account. This provides there customer with no hanssle of not having the funds when needed.
answered 4 years, 5 months ago
by DMoney
Killeen/fort Hood Tx
0points
0out of 0found this answer helpful.
answer 37
About one or two business days.
answered 4 years, 5 months ago
by MomOfBailey
GOOSE CREEK, SC
0points
0out of 0found this answer helpful.
answer 38
It generally takes 2 to 3 days for transfers to show up at my Credit Union. USAA is safe and reliable. Best customer service in the industry. Transfers overseas have not been a problem either.
Cheers,
JohnW
answered 4 years, 5 months ago
by JohnW
California / Ukraine
0points
0out of 0found this answer helpful.
answer 39
It has taken 3-5 days for me.
answered 4 years, 5 months ago
by Bill from Virginia
Alexandria, VA
0points
0out of 0found this answer helpful.
answer 40
In my experience, transferring from USAA to an external bank takes about 3-4 business days.

Hope that helps.
answered 4 years, 5 months ago
by Jump
Kingsville, Tx
0points
0out of 0found this answer helpful.
answer 41
Approximately 2 business days is what I experience. It did take 3 or 4 days one time, but that could have been the bank the money was being sent to.
answered 4 years, 5 months ago
by Tinman
Columbia, SC
0points
0out of 0found this answer helpful.
answer 42
I pay my rent via transfer to a small Ga. bank, it can take up to three days to post to the bank, I have asked them repeatedly who is collecting the interest on that money as it bounces around over those three days.

of course they have no answer.

transfers to my USAA account from other banks takes two hours.

Transferring from my accounts over my mobile is amazing!

Anyone that is not using USAA for all banking and insurance, is losing money!

Sincerely,
CHD
answered 4 years, 5 months ago
by Chrisper
Jennie,Georgia
0points
0out of 0found this answer helpful.
answer 43
If you transfer funds to an outside bank, it will post immediately to your USAA account and will show up in the outside bank account in 2-3 business days.
answered 4 years, 5 months ago
by JonnyC
West Palm Beach, Fl
0points
0out of 0found this answer helpful.
answer 44
At most three days. You will not regret the move.
answered 4 years, 5 months ago
by Proud Customer
Manchester, NH
0points
0out of 0found this answer helpful.
answer 45
I do this all the time between my USAA checking and brokerage accounts and a separate brokerage account I have with another bank. I'd say it averages 2 days.
answered 4 years, 5 months ago
by Ben Washburn
North Carolina
0points
0out of 0found this answer helpful.
answer 46
most of the times it depends on the other bank. i have transferred money to my daughters bank and it usally takes 3 business days.
answered 4 years, 5 months ago
by carmichael
0points
0out of 0found this answer helpful.
answer 47
I think the correct answer would be that it varies; usually one to two days. However, I had a repeating deposit to my college aged son's account which was repeating; same date every month (but different day of the week); and the transfer varied from 1 to up to 7 days. I know this is alot but it is our honest experience. I hope for a better one for you.
answered 4 years, 5 months ago
by rmeav8r
Ocala National Forest, FL
0points
0out of 0found this answer helpful.
answer 48
If it is a registered external account with USAA that you added for the ability to move money around it takes place immediately following confirmation. If not it takes what ever time the external bank can process it usually 2- 4 business days.
answered 4 years, 5 months ago
by BaffledBull
Texas
0points
0out of 0found this answer helpful.
answer 49
for a transfer to a new account I believe it is 3-5 business days.
for an established account I believe it is 3 business days.
for a transfer from your existing savings to checking (USAA accts) it is instant.
answered 4 years, 5 months ago
by Bono
Tulsa, OK
0points
0out of 0found this answer helpful.
answer 50
It normally takes about 3 business days, that's how long electronic transfers take in general.
answered 4 years, 5 months ago
by ARMYMOMMY
TEMPLE, TX
0points
0out of 0found this answer helpful.
answer 51
It takes 3 days to start up, then 1 business day to process it seems so far. Its how i pay my child support and have never had it late or never payed. The funds go to a really small town bank, so it may be faster with a larger company bank.
answered 4 years, 5 months ago
by Josh98433
Fort Lewis, WA
0points
0out of 0found this answer helpful.
answer 52
From my experience if it is electronic it takes about 2 to 3 days
answered 4 years, 5 months ago
by afpennings
Holloman AFB
0points
0out of 0found this answer helpful.
answer 53
I have used this feature before. At the most it has taken 3 days, usually 2 though. No fees are due when transferring like at other banks.
answered 4 years, 5 months ago
by Liz S
Savannah, GA
0points
0out of 0found this answer helpful.
answer 54
3 days for me but half of the transfer is avalible same day
answered 4 years, 5 months ago
by mclovin
Greenville SC
0points
0out of 0found this answer helpful.
answer 55
It normally takes a max of three days.
answered 4 years, 5 months ago
by Daspokesman
Trenton, NJ
0points
0out of 0found this answer helpful.
answer 56
Depends on the bank. The transfers from another bank to USAA are immediate. It takes my other bank 2 days to post transfers from USAA. I just added my significant other (at the time a non-member) to my USAA bank account, much easier than transferring money all the time.
answered 4 years, 5 months ago
by Melisha
PA
0points
0out of 0found this answer helpful.
answer 57
Never more than a 1-3 business days. It depends on the receiving bank.
answered 4 years, 5 months ago
by dchaskes
Miami, FL
0points
0out of 0found this answer helpful.
answer 58
It takes 3 business days for the funds transferred from USAA to the external account to clear. Make sure you sign up her account with your USAA link. This is an excellent service. I use it all the time.
answered 4 years, 5 months ago
by Catchthevision
Pittsburgh, PA
0points
0out of 0found this answer helpful.
answer 59
It typically takes about three business days (but that's not all USAA driven). I transfer money from USAA checking to Navy Federal Credit Union twice a month. The money will be deducted and sent the same day from USAA's side, but it depends on the receiving bank how long they'll hold it before posting the cash to your (girlfriend's) account.
answered 4 years, 5 months ago
by Aelish81
Guantanamo Bay, Cuba
0points
0out of 0found this answer helpful.
answer 60
I routinely transfer money to a non-USAA bank, and the time for it to show up on the online record varies from two to six days. BUT, the date of deposit is USUALLY listed as the date of my directive for USAA FSB to transfer (EFT) the money. I don't spend it until I see it.
answered 4 years, 5 months ago
by bigal2
arkansas
0points
0out of 0found this answer helpful.
answer 61
5 to 7 business days.
answered 4 years, 5 months ago
by JW Review
VA
0points
0out of 0found this answer helpful.
answer 62
About three days, depending on the bank your transferring to.
answered 4 years, 5 months ago
by chiefme
Georgia
0points
0out of 0found this answer helpful.
answer 63
When i did this it was 3-5 business days unless its from another country.
answered 4 years, 5 months ago
by Nivash
Orlando, FL
0points
0out of 0found this answer helpful.
answer 64
My mom has an account with USAA and a local bank. So far, when she transfers money between the accounts, it's taken somewhere between 24-48 hours.

My husband's paychecks are deposited electronically, and it's always been same day.
answered 4 years, 5 months ago
by Ursula KR
Michigan, USA
0points
0out of 0found this answer helpful.
answer 65
Same day once you establish credibility. They always hold some of the money for a day. We do this a lot.
answered 4 years, 5 months ago
by Danielle and Jimmie
0points
0out of 0found this answer helpful.
answer 66
Hi, I frequently transfer money between my USAA and Navy federal account. It normally takes about 4-5 business days for the transfer to occur and the funds to be available in my NFCU account.

Cheers,

Vinson
answered 4 years, 5 months ago
by vinson
fairfax, va
0points
0out of 0found this answer helpful.
answer 67
I have a wells fargo account and it generally takes about 2-3 days to transfer money between my accounts when i transfer using USAA's website.
answered 4 years, 5 months ago
by TimAW
Texas
0points
0out of 0found this answer helpful.
Question

How to Deposit cash to checking account

How do I deposit cash to my checking account? I need a bank/teller. Where are they located?
Asked 4 years, 5 months ago
by bbvb
Killeen, TX
0points
0out of 0found this question helpful.
41 answers
Answers
answer 1
To my knowledge the only bank is located in San Antonio, TX. However, you could wire money into your account from any western union, just make sure you have your account number and routing number with you( bring your checkbook).
answered 4 years, 5 months ago
by Kitty
Lacey, WA
0points
0out of 0found this answer helpful.
answer 2
They only have one branch in San Antonio, TX. You have to get a money order for the cash and mail it in. USAA now lets you scan checks at home to deposit them rather than having to go through the hassle of mailing them in. Even if you do mail them in it only takes 2-4days depending on where you live. I live in San Francisco and mailed a check on a Tuesday. By Saturday it was deposited and ready for use.
answered 4 years, 5 months ago
by Melon Man
San Francisco, CA
+1point
1out of 1found this answer helpful.
answer 3
You do not need a bank/teller. Do not send cash in the mail. Get a money order or cashier check and send it to USAA with a deposit slip and it will be deposited in your account. You can always call USAA customer service and they will tell you the process if you need more information.
answered 4 years, 5 months ago
by Bevo22
Colorado
0points
0out of 0found this answer helpful.
answer 4
Typically, since there is not a local branch near me, I just add the cash to one of my local banks accounts and then just transfer the money to the USAA account. Its the only way I know how to.
answered 4 years, 5 months ago
by beauty
murfreesboro, tn
+2points
2out of 2found this answer helpful.
answer 5
Take your cash and get a cashiers check made out to you for the amount of your cash and mail it in to USAA or better yet use their online deposit if you have a scanner and internet connection at home. Many grocery stores (HEB) will convert your cash to a check for you. If you scan at home, your money will be immediately available as long as your checking account has a certain balance. Good luck.
answered 4 years, 5 months ago
by Ryno
Atlanta GA
+1point
1out of 1found this answer helpful.
answer 6
There are no local bank tellers. You can get the deposit envelopes and send it that way or just do what i do, give my cash to a friend who writes me a check and then i scan it in and do the deposit at home : )
answered 4 years, 5 months ago
by airforcewife
+2points
2out of 2found this answer helpful.
answer 7
You can order deposit envelopes with pre-paid postage. They are free.
answered 4 years, 5 months ago
by jfried
Hattiesburg, MS
0points
0out of 0found this answer helpful.
answer 8
I'm almost sure there is no way of doing this. Only way I've been able to get cash into my USAA account is by making a deposit to a local institution and then writing myself a check and using Deposit @ Home to deposit the check. This is the only real complaint I have with USAA Banking. Everything else is EXCELLENT!
answered 4 years, 5 months ago
by higabyte
Augusta, GA
0points
0out of 0found this answer helpful.
answer 9
you cant unfortunately, only wires/ or direct deposits... i would reccomend having a local bank and usaa. you can transfer from usaa online from that bank and vice versa.
answered 4 years, 5 months ago
by Member Review
Washington, DC
0points
0out of 0found this answer helpful.
answer 10
The bank is located in San Antonio Texas. However, you can take the cash to any establishment that issues money orders and send the money order in by mail using the free deposit envelopes provided by USAA or you can scan the money order directly into your account using the deposit@home option.
answered 4 years, 5 months ago
by First Shirt
Harvest, AL
0points
0out of 0found this answer helpful.
answer 11
They are located in San Antonio Tx. One off I-10 near Huebner and a new one just opened on 1604 and Culebra. If you don't want to make the trip just get a money order and mail it in or have someone write you a check and scan it at home, this will only work if you have the "deposit-at-home" option! Good Luck
answered 4 years, 5 months ago
by AnaDaisy
MN
0points
0out of 0found this answer helpful.
answer 12
I have a local account at my credit union. I make deposits of cash & checks locally and then use the free ACH feature at USAA to transfer the funds. Most of the transfers I have done at USAA give me immediate credit even though the funds have not been collected from the outside bank. I think large transfers (which are limited to $5,000) do NOT give you immediate credit.
answered 4 years, 5 months ago
by rsknow
Santa Margarita, CA
0points
0out of 0found this answer helpful.
answer 13
In order to deposit cash or other items with a teller, youll need to go to San Antonio where the USAA Bank Office is located. Other than that you can mail the deposit's in or if you can use the USAA Deposit@Home Program.
answered 4 years, 5 months ago
by DavidC
Pennsylvania
0points
0out of 0found this answer helpful.
answer 14
There are several ways. You can do Direct Deposit, You can use the account Deposit envelopes, where you put your check into the envelope and mail it in, You can go to the San Antonio, TX Branch, and go into the bank, You can transfer funds in online, thru the website, or over the phone.
answered 4 years, 5 months ago
by Wolfy
Tampa, FL
0points
0out of 0found this answer helpful.
answer 15
There are no tellers or banks except in texas. you can go to western union and they can transfer the money for you or if it is a check they have a new "scan in the check" program. give customer service a call
answered 4 years, 5 months ago
by Tanker922
Lou., Ky.
0points
0out of 0found this answer helpful.
answer 16
if it is a large $ amount, I don't mind spending a dollar of my own money to buy a cashiers check to mail to my account.
answered 4 years, 5 months ago
by Thrilled member
OKC, OK
0points
0out of 0found this answer helpful.
answer 17
Set up a free checking account with a local bank and deposit your funds there as needed. Once the funds are deposited, go online with USAA and initiate a free funds transfer from your outside bank! Works everytime with less hassel.
answered 4 years, 5 months ago
by Sunshine92954
Atlanta, GA
0points
0out of 0found this answer helpful.
answer 18
You'll have to request deposit slips through the mail, and you will have to mail in a check or money order with the deposit slip. There is just one branch, and that is in San Antonio, Texas.
answered 4 years, 5 months ago
by Jorozco
Dallas
0points
0out of 0found this answer helpful.
answer 19
I'm in California and still bank with USAA. USAA provides postage-paid envelopes to send in deposits. In my experience with cash, I buy money orders for 50 cents, make them payable to me, then send the money in that way.
answered 4 years, 5 months ago
by Sonny
San Jose, CA
0points
0out of 0found this answer helpful.
answer 20
There are two ways you can deposit money into your USAA account. First one is in person at the nearest branch which in your case is in San Antonio(9800 Fredericksburg Road
San Antonio, TX 78288). The bank has drive up tellers or you can go inside the lobby. They also have a 24hr deposit box in case you are not able to make it to the bank during their business hours. Second, if you qualify for their online deposits you can deposit checks from home using your computer and scanner. In your case, if you wish to deposit cash you can purchase a money order and deposit it online. I would call USAA to check if you qualify for this service beforehand. Good Luck!
answered 4 years, 5 months ago
by A USAA Member
San Antonio
0points
0out of 0found this answer helpful.
answer 21
You can request envelopes to send in deposits. I would recommend going to a local store and getting a Money Order. It's easier and more convenient since you can just deposit from the convenience of your own home using the Deposit@Home feature. Some places sell Money Orders for the price of a postal stamp or even give them to you free.
answered 4 years, 5 months ago
by NancyC
0points
0out of 0found this answer helpful.
answer 22
Money Orders are great or you can use a simple no fee checking acct at a local bank to deposit your cash and then send a check to USAA. I've lived all over the world and there is not a bank to compare with USAA but I always establish a local, no-fee checking account, at a bank in town for situations like this. Hope this helps!
answered 4 years, 5 months ago
by KeepitSimple
NewportNews, VA
0points
0out of 0found this answer helpful.
answer 23
I have given the cash to a trusted friend or family member and they've written me a check I can mail or scan for deposit from home. I also had this question, and a USAA representative indicated you can purchase a money order and then send that via mail deposit. I have gotten a local checking account with no minimum balance, and no fee checking, which I've deposited money to, then written a check to USAA for deposit. That was kind of a hassle, since I initially did have to pay $16 for the checks, but it does give me a local bank where I can do other banking tasks, like coin exchange for free, and exchange of bills from business, without any expense or hassle of "do you have an acct with this bank?"
answered 4 years, 5 months ago
by Johnny Gano
DE
0points
0out of 0found this answer helpful.
answer 24
Generally if I know someone is going to pay me, I request that they pay me in check because I use the deposit at home feature provided and I scan my checks directly into my account. However, if they insist on paying in cash, I either keep it if it's a small amount or see if a friend or family member will write me a check in exchange for the cash. There is more ways of doing it but that's the system that works best for me.
answered 4 years, 5 months ago
by liza
0points
0out of 0found this answer helpful.
answer 25
Unfortunately, there is no way to deposit cash to a USAA account unless you live/operate out of the San Antonio area where there are bank branches. I would suggest purchasing a Postal Money Order and depositing via USAA Deposit at Home service.
answered 4 years, 5 months ago
by Bugman
0points
0out of 0found this answer helpful.
answer 26
I deposit the cash in a local bank, then use bank at home to transfer it to USAA.
answered 4 years, 5 months ago
by Satisfaction
Silver Spring, MD
0points
0out of 0found this answer helpful.
answer 27
I hardly ever have to deposit cash to my checking account but when I do I have to give cash to my sister and she writes me a check. Then I use your deposit@home.
answered 4 years, 5 months ago
by wct1
Tennessee
0points
0out of 0found this answer helpful.
answer 28
Direct deposit
answered 4 years, 5 months ago
by Baby Girl18
Uk London
0points
0out of 0found this answer helpful.
answer 29
you have two options: deposit to one bank and transfer over or use the home deposit feature.
answered 4 years, 5 months ago
by NN Green
Atlanta, GA
0points
0out of 0found this answer helpful.
answer 30
There are no branches in killeen. The nearest bank is in San Antonio.
answered 4 years, 5 months ago
by Jaydensgrandma
killeen
0points
0out of 0found this answer helpful.
answer 31
what i have always done is keep a local branch account in addition to my USAA (Wachovia, BofA) and set up a monthly transfer of $1 to the account to get it for free. then i use that to deposit cash when needed, and plus it acts as a little savings :) there is only ONE USAA branch and it is San Antonio... but you don't NEED a teller; worse case give someone the cash and have them write you a check to scan into your computer. Honestly, the small little issue of no branches is far outweighed by the USAA benefits and Customer Service.
answered 4 years, 5 months ago
by Darrell Hughes
Bensalem PA
0points
0out of 0found this answer helpful.
answer 32
As for depositing cash, I don't know that we can do that. I always work in checks with online deposit. As for the locations, there are none. The only real "location" is in San Antonio, TX. In 13 years of dealing with USAA, I have never needed a physical branch. It is all done online.
answered 4 years, 5 months ago
by Kenneth
Nevada
0points
0out of 0found this answer helpful.
answer 33
get another checking account locally - then transfer it.
answered 4 years, 5 months ago
by pope
NYC
0points
0out of 0found this answer helpful.
answer 34
The closest teller to you for USAA is in San Antonio but you can request deposit envelopes from USAA via online banking. They are per paid postage.
answered 4 years, 5 months ago
by Nick G
Houston,TX
0points
0out of 0found this answer helpful.
answer 35
Most of us are far away from USAA. The only solution I found is to get a money order and then e-deposit. It's not free but it appears in your account immediatly.
answered 4 years, 5 months ago
by MIKEWBART
SAUK VILLAGE, IL
0points
0out of 0found this answer helpful.
answer 36
The only way I deposit money to my account is by sending in a check or money order with a deposit envelope. the money generally posts in 3-5 business days. You can call in and request the envelopes
answered 4 years, 5 months ago
by SPASM
Chicago, IL
0points
0out of 0found this answer helpful.
answer 37
I live in New York, and have never even seen an actual USAA branch. From you, they're about 2.5 hours away in San Antonio.... but there is an option on the website to order deposit envelopes. They come postage pre-paid so all you do is sign your checks an drop them in the mail. It will of course take a day or two, but there's also an option to use an Iphone and take a picture of your check and make the deposit via internet. This I am also unfamiliar with however, but it seems like a great timesaver. Another thing I often do is make a deposit at my local bank and then transfer the $$ to my USAA account via the USAA website. Hope this helps.
answered 4 years, 5 months ago
by Combat Engineer
Western NY
0points
0out of 0found this answer helpful.
answer 38
I've been going to the post office and purchasing money order. I used the deposit slips and envelopes provided by USAA to mail it in.

I tried scanning my money orders however due to the security markings it was not accepted via my USAA @ Home Deposit.
answered 4 years, 5 months ago
by polishfairy
dallas,tx
0points
0out of 0found this answer helpful.
answer 39
Through the mail. I also believe they have a Western Union type of thing where you can wire it, but I am not sure about that.
Honestly, for cash and any paper checks that I get, I use a NetSpend account and transfer money over the PC.
answered 4 years, 5 months ago
by OzCrinklefoot
Nashville, TN
0points
0out of 0found this answer helpful.
answer 40
I usually have someone write me a check and give them my cash. Mail that check to USAA.
answered 4 years, 5 months ago
by frog23
Maine
0points
0out of 0found this answer helpful.
answer 41
Unless you live in San Antonio, you're out of luck. You have three choices:

Give the money to someone else in return for a check.

Get a money order for $1 at the post office or somewhere else.

Open a free checking account at a small bank with no fees. Credit Unions are a good choice. Then, link the account to USAA so you can transfer funds from the other bank into your USAA account. USAA typically gives immediate credit when you request the transfer, so you're never without your cash.

This cash issue is the ONLY problem with USAA banking.
answered 4 years, 5 months ago
by El Jefe
Scottsdale, AZ
0points
0out of 0found this answer helpful.
Question

How much $ after 10 ATM Withdrawals?

"USAA does not charge a fee for the first 10 ATM withdrawals" I can't find where it says how much is charged for each ATM withdrawal over 10!

I am thinking of changing my checking acct to USAA but the online info is missing things like this mysterious charge. Is it 10 cents, 1 dollar, does it escalate?

Currently, I mostly use my debit card at the grocery store, use the PIN, buy my groceries and get some cash back. (but now that bank wants me to sign or get charged 25 cents to use my pin)

Is cash back at the grocer's counted an ATM withdrawal?

If I sign, instead of use the PIN, is that counted towards the 10 withdrawals?

If I sign, is the cash a Cash Advance that gets other charges?

Why is this info not in the explanation of the checking account?
Asked 4 years, 5 months ago
by LookingForInfo
Tampa, FL
0points
0out of 0found this question helpful.
26 answers
Answers
answer 1
USAA never charges me for ATM or debit withdrawals. Personally, I do the transaction as credit and sign b/c that way I get my rewards points. I do this at least 20 times a month...no charge...actually I get cash back!
answered 4 years, 5 months ago
by JT MSgt
Langley Airplane patch, VA
0points
0out of 0found this answer helpful.
answer 2
Well the fee after the first 10 is a good question a call to USAA should fix that.

ATM withdraws are only counted from ATM's

Debit with Cash Back is not a ATM withdraw and has no fee attached.

if you sign (Credit) then you get reward points like from credit cards but its from your checking account. Also not counted as an ATM withdraw.

Cash Advance from an USAA credit card has no fees attached.

I rarely use the ATM more than 5 times a month because of the Ubiquitous nature of Debit and Credit.
answered 4 years, 5 months ago
by jfried
Hattiesburg, MS
+1point
1out of 1found this answer helpful.
answer 3
Cash back is not a atm withdrawl. the merchant just adds the amt you want to the total of your purchase
you can only get cash back if you use your pin. there is no other way, so no cash advance charges.. PIN must be used. the info isnt there because its general common sense :) - usaa member
answered 4 years, 5 months ago
by Member Review
Washington, DC
-1point
0out of 1found this answer helpful.
answer 4
I have never had any problems and we usual get a charge of 2.50-3.50 atm withdrawl fee at the atm. And we always get the entire funds back at the end of the month. And when u use ur debit and get cash back that isnt considered an atm withdrawl.. I havent personally ever been charged to use my debit card to get cash back at a store when i use it I have been with them for 7 yrs. If u sign and not use ur pin its not considered as a cash advance unless u go to a bank and make a cash advance on ur debit card. If u really want answers just give them a call they are very friendly and helpful. You dnt have to have an account to call. 1-800-832-3724. Hope this helps you out a little bit. Good luck hope u become a usaa memeber!!!
answered 4 years, 5 months ago
by Downtown
Owasso, Ok
0points
0out of 0found this answer helpful.
answer 5
Cash back at the grocers, signing instead of using your PIN, and cash advances are not counted towards the ATM withdrawal limit. Nor are you charged by USAA for them. After your ten ATM withdrawals, USAA will not refund your fees from using other ATM machines. They easiest way to bypass the fee is to use ATM machines that do not charge a fee (yes there are some out there... Community Bank overseas does not charge a fee... just ask). Another way is to find a bank that will not charge you for a cash advance or buy a pack of gum at a store and get cash back. There are several ways to bypass using your 10 ATM withdrawals. I have never been charged a fee by going over my limit by using these other methods. The fee after ten is explained in the TISA disclosures that accompany the checking account. Most people do not read the "fine print", but trust me it is in there. They do not explain how to avoid the fees, but it is pretty easy to bypass. Good luck.
answered 4 years, 5 months ago
by Medina
Fort Sill, OK
0points
0out of 0found this answer helpful.
answer 6
Cash back at the store is not consider an ATM withdrawal.. ATM withdrawals are only at ATM.. Using Credit instead of Debit isnt a withdrawl your just chooosing the opition of not getting cash back. I havent gotten charged for a PIN transaction.. My husband and I both use Debit and we never been charged for it!
answered 4 years, 5 months ago
by Kasey
Langley AFB, VA
0points
0out of 0found this answer helpful.
answer 7
Q. USAA does not charge a fee for the first 10 ATM withdrawals" I can't find where it says how much is charged for each ATM withdrawal over 10!

A. The first 10 transactions are free. After that the ATM Charge is $2 plus the fee that the ATM charges.

Q. Currently, I mostly use my debit card at the grocery store, use the PIN, buy my groceries and get some cash back. (but now that bank wants me to sign or get charged 25 cents to use my pin)

Q. Is cash back at the grocer's counted an ATM withdrawal?

A. Not with USAA. They are still considered Point Of Sale Transactions.

Q. If I sign, instead of use the PIN, is that counted towards the 10 withdrawals?

A. No. Signing at a store such as walmart or such, is considered a Credit transaction.

Q. If I sign, is the cash a Cash Advance that gets other charges?

A. No, Usually in order to get cash back, you would be required to use a pin. But there is no charge for it with USAA.

Q. Why is this info not in the explanation of the checking account?

A. It is, you just were not looking in the right place. It is in the Depository Agreement Disclosures & Service Fees PDF that you can download.
answered 4 years, 5 months ago
by Wolfy
Tampa, FL
+4points
4out of 4found this answer helpful.
answer 8
USAA does not reimburse (other bank's fees) for withdrawals over ten in a month. USAA does not, itself, charge for any withdrawals from a checking account.

There are some limitations of withdrawals from a savings account but those rules are dictated by the government.
answered 4 years, 5 months ago
by Jason
Chicagoland, IL
-1point
0out of 1found this answer helpful.
answer 9
Hello, I am not sure what the charge is for ATM withdrawals over the 10 but I can answer some of the other questions. No, USAA does not charge you to get cash back after a purchase. It is not counted as an ATM withdrawal or a cash advance. It is just cash back from your checking account. I honestly don't know why the information is not explained but you can call them and get an explanation from a customer service rep. I can say that I have never gone over my ATM withdrawals so that question would be one many other members might have as well. Good luck in your search for a new bank.
answered 4 years, 5 months ago
by Lena
Los Angeles, California
0points
0out of 0found this answer helpful.
answer 10
I don't know how much they charge beyond 10 ATM withdrawals, but purchases made whether you sign or use the PIN are not counted as ATM withdrawals. Cash back on a purchase doesn't count as an ATM withdrawal, either. Signing doesn't count as a Cash Advance or incur other charges. USAA checking is a great deal. I pay fewer fees than any non-USAA member I know.
answered 4 years, 5 months ago
by Tom Bernath
Fairfax, VA
0points
0out of 0found this answer helpful.
answer 11
cash back at the grocer's does not count as an ATM withdraw, and signing does not count ether. in fact, i believe, with most USAA checking accounts you get cash back if you charge it instead of using your pin.
answered 4 years, 5 months ago
by raistlin24
San Diego, CA
0points
0out of 0found this answer helpful.
answer 12
In my experience, USAA give a percentage cash back if you use the Credit Card method with your debit card. I only use the PIN method when requesting cash back at the register and it does not count as an ATM withdrawl.

Also, I don't think USAA charges for ATM usage... the bank you withdraw from does. So, the first 10 are free in the sense that USAA refunds up to $15 monthly.

Again, this has been my experience.
answered 4 years, 5 months ago
by Sonny
San Jose, CA
0points
0out of 0found this answer helpful.
answer 13
I have come across this too! If I am correct over 10 charges they charge a 1-2 dollar fee for each withdrawl over 10. I use my card for everything, I never carry cash. I too use it at the grocery store, I use my pin when I need cash, and I have never been charged a fee, but I do not withdrawl straight cash out of my acct. Most of the time I use it as a mastercard, and sign. When you sign you earn cash back. If you use your pin, that is considered a withdrawl such as an ATM request...if you sign it is more like a credit card, that has no fees. I have had USAA 8 years and have only had to pay a fee one time when I went over 10 withdrawls...It was when I bought my house, and had to pay things with cash or certified check. If you use another companies ATM, they will charge you a fee to use it, but USAA will refund that fee at the end of the month. With them refunding the fees and earning cash back for my mastercard purchases...USAA has been the best. All the fees other banks charge to hold your money, is the main reason I switched to USAA...and I am glad I did.
answered 4 years, 5 months ago
by Happy USAA member
Mount Wolf, Pa
0points
0out of 0found this answer helpful.
answer 14
After 10 ATM withdrawls, you get charged whatever fee the ATM normally charges. As far as signing up for USAA checking, it is free. The only cost is the initial deposit of $25 into your new account. You have to deposit at least $25 to start a new checking account. No fees are charges. In fact, if you have a USAA savings account, you get free overdraft protection. They will automatically transfer money from your savings to your checking if you are gonna go into the negative. Cash back at the grocery store is not counted as an ATM withdraw. I have never been charged for doing that. And I use my DEBIT for everything. And no, you will not get charged for a "cash advance" if you sign for cash back. Where do you bank?? You sure do get a lot of charges. USAA does not have hidden charges. They are a good bank. You should consider switching. I have been very satisfied so far.
answered 4 years, 5 months ago
by USAA Always
New Braunfels,Tx
0points
0out of 0found this answer helpful.
answer 15
Using your credit option on your card does not count toward your 10 withdrawls. I never carry cash and use the credit option on my card literally everyday.
answered 4 years, 5 months ago
by One and Only
Tulsa, OK
0points
0out of 0found this answer helpful.
answer 16
I use my ATM card to shop and get cash back. I have never been charged for that. When using an ATM the organization that owns the machine determines the charge. USAA will refund up to $15 of those charges per month. Initially the charges are applied to your account then at the end of the month those charges are credited to your account up to the amount of $15
answered 4 years, 5 months ago
by jgreaud
San Antonio< TX
0points
0out of 0found this answer helpful.
answer 17
It's $15.00 a month credited to your account, if you can find a ATM that will allow a withdrawal for less than $1.00, then I am not sure, but most ask for much more if they are off base. Only 1 ATM in my 10 or so years charges $1.00 for a withdrawal. The normal limit per month is 15.00.
answered 4 years, 5 months ago
by Sam Baker and Family
Fort Rucker, AL
+1point
1out of 1found this answer helpful.
answer 18
Not sure exactly how much the ATM charge would be after 10 withdrawls, basically because I've been with USAA for 5 years and never hit 10 withdrawals in a month. However, I can answer the other questions:
No, cash back at the grocery store does not count as an ATM withdrawal.
No, if you sign, it does not count as a withdrawal.
No, if you sign you do not incur any charges. In fact, for a while (not sure if still), we got a small percentage of "cash back" at the end of the month for doing so.
answered 4 years, 5 months ago
by Rapstar
Eglin AFB, FL
0points
0out of 0found this answer helpful.
answer 19
After the first 10 withdrawals, it is a $2 charge per withdrawal from USAA.

That is all I am sure of, sorry.
answered 4 years, 5 months ago
by wwunavy
Oak Harbor, WA
+1point
1out of 1found this answer helpful.
answer 20
Not charging for ATM withdrawals means that when you go to the ATM to withdraw cash, you don't get charged for the service fees that most other banks charge. Really you just get reimbursed for them at the end of the month- so if you go to a Bank of America ATM four times in a month and the fee is $3, you do get charged $3 each time but you get the $12 in fees deposited back into your account at the end of the month. You can do 10 ATM withdraws without paying the fee, after that you pay whatever it is that bank/ATM charges.

Debit card usage is different than ATM withdrawal.
answered 4 years, 5 months ago
by BenF
Maryland
0points
0out of 0found this answer helpful.
answer 21
Since USAA only has 1 ATM in San Antonio, they will reimburse the users for their first 10 withdrawals from any other ATM with a maximum total reimbursement of $15 for all 10 withdrawals. After 10 withdrawals, USAA charges $2 per withdrawal and the ATM you use may also charge you an additional fee. The $2 fee does not escalate no matter how many times you use it after 10 times.

I have used cash back and it has NOT counted as a withdrawal but a purchase and USAA has never charged me a fee for this, in fact, they give members interest depending on how much they spend in a month so you get a small percentage of cash back at the end of the month credited to your account.

Signing does NOT count as a withdrawal. Only using an actual ATM machine counts as a withdrawal.

I do not know why you haven't found this info but this link here might help you. I hope I answered some of your questions!

https://content.usaa.com/mcontent/static_assets/Media/DaD0406_BillPay0704_SvcFee0606.pdf?cacheid=1877765037?SearchRanking=1&SearchLinkPhrase=ATM%20fee%20return
answered 4 years, 5 months ago
by Hadder
Maryland
+1point
1out of 1found this answer helpful.
answer 22
Hey there. I had a lot of the same questions and dug up the answers.

-USAA charges $2 if you take out money from other banks' ATMs more frequently than 10 times/month (I have banked with USAA for a year now and haven't even gotten close) - this is per their most recent 'fee and information schedule'
-Cash back at a retailer is NOT considered an ATM transaction and does not count against your 10...
-Signing the card at a retailer isn't technically a withdrawal...I don't know if it incurs separate fees as I always enter my PIN as a debit when I want to get cash back.
answered 4 years, 5 months ago
by DigBanker
Portland, OR
+1point
1out of 1found this answer helpful.
answer 23
I use my Debit card all the time, and have used it quite a few times with my pin # and have never been charged a fee. I normally use my card as credit so I can earn points. So when I sign I do not get charged a fee.
answered 4 years, 5 months ago
by parklife1977
England
0points
0out of 0found this answer helpful.
answer 24
It is in the Depository Agreement. On USAA.com go to the search box and type in Depository Agreement and then search.

The first 10 non USAA ATM withdrawls are free. After that is is $2.00 per withdrawl.

I have been a customer for 5 years and I typically get $8 - $12 dollars a month directly deposited into my checking account once a month.

I use my debit card at the store and use the cash back option. This amount is added to the Point of Sale transaction. This is not an ATM withdrawl.
answered 4 years, 5 months ago
by Taylor
Corpus Christi TX
0points
0out of 0found this answer helpful.
answer 25
I am copying your ??? and leaving the answers in ALL CAPS...
"USAA does not charge a fee for the first 10 ATM withdrawals" I can't find where it says how much is charged for each ATM withdrawal over 10!
I am thinking of changing my checking acct to USAA but the online info is missing things like this mysterious charge. Is it 10 cents, 1 dollar, does it escalate?
I WAS WONDERING ABOUT THIS TOO, BUT, I HAVE FOUND THAT I HAVE NEVER, IN OVER 5 YEARS, USED MORE THAN 10 W/D FROM ATMS. BUT I BELIEVE THE CHARGE IS LIKE $3.50. JUST CALL AND ASK. IT IS NOT OUTRAGEOUS, NOTHING THIS BANK DOES IS OUTRAGEOUS BUT GIVE GREAT CUSTOMER SERVICE!

Currently, I mostly use my debit card at the grocery store, use the PIN, buy my groceries and get some cash back. (but now that bank wants me to sign or get charged 25 cents to use my pin)
USAA DOESN'T PENALIZE YOU FOR USING YOUR PIN, BUT THEY DO GIVE YOU INCENTIVES TO SIGN (CASH BACK AT THE END OF EACH MONTH OR YOU CAN SIGN UP FOR A "GIFT" THING WHERE YOU ACCUMULATE SO MANY POINTS AND TURN THEM IN FOR GIFT CARDS, ETC).

Is cash back at the grocer's counted an ATM withdrawal? NO

If I sign, instead of use the PIN, is that counted towards the 10 withdrawals? NO

If I sign, is the cash a Cash Advance that gets other charges? NOT IF IT'S YOUR DEBIT CARD FORM YOUR CHECKING ACCT

Why is this info not in the explanation of the checking account? I DON'T KNOW, PROBABLY BECAUSE THEY AREN'T TRYING TO ROB YOU BLIND LIKE OTHER INSTITUTIONS. THEY ARE A VERY HONORABLE BANK. I USE THEM FOR EVERY ASPECT OF MY MONEY MANAGEMENT.
I HOPE THIS HELPED!
answered 4 years, 5 months ago
by WE LOVE USAA
Concord, NC
0points
0out of 0found this answer helpful.
answer 26
All ATM w/ds are free from USAA's perspective. Where the 10 comes into play is the reimbursement of the other banks fee. USAA will reimburse the fee from the first 10 ATM withdrawals or $15 in total fees each month (whichever comes first).
answered 4 years, 5 months ago
by El Jefe
Scottsdale, AZ
0points
0out of 0found this answer helpful.
Question

does the checking account require a minimum balance?

Asked 4 years, 4 months ago
by lolockie
0points
0out of 0found this question helpful.
26 answers
Answers
answer 1
no
answered 4 years, 3 months ago
by desertvetmike
ohio
+2points
2out of 2found this answer helpful.
answer 2
No minimum balance.
answered 4 years, 3 months ago
by Bherrmann
Florida
0points
0out of 0found this answer helpful.
answer 3
$25 minimum required for the initial deposit when opening the account. No monthly minimum or fees.

$1000 is required to earn interest, but you might as well get a brokerage account and park it in the money market fund at a higher rate.
answered 4 years, 3 months ago
by khorn
Columbia, MO
0points
0out of 0found this answer helpful.
answer 4
You are not required to keep a minimum balance in your checking account. Just make sure you keep something in there to prevent it from closing.
answered 4 years, 3 months ago
by Anonymous
TX
0points
0out of 0found this answer helpful.
answer 5
NO
answered 4 years, 3 months ago
by Adam Sugg
colorado spring
0points
0out of 0found this answer helpful.
answer 6
No
answered 4 years, 3 months ago
by noamaye
New York, NY
0points
0out of 0found this answer helpful.
answer 7
nope the checking account does not require a minimum balance
answered 4 years, 3 months ago
by JLaF
Robins AFB
0points
0out of 0found this answer helpful.
answer 8
There is NO minimum requirement for the checking account. One of the great features of USAA
answered 4 years, 3 months ago
by Krazytaz312
Norfolk, VA
0points
0out of 0found this answer helpful.
answer 9
No. The "Free" checking account does not require a set minimum balance.
Top Contributor
Top Contributor
answered 4 years, 3 months ago
by Rutin
Kissimmee, FL
0points
0out of 0found this answer helpful.
answer 10
No.
answered 4 years, 3 months ago
by energizer bunny
Georgia
0points
0out of 0found this answer helpful.
answer 11
I have frequently had one of my checking accounts at a very low/zero balance for a couple of weeks at a time.. and I've never been told the account was closing or that I had to have a minimum balance. From my experience, no... no minimum balance is required to keep the account open. There is a minimum deposit to open one, but not to keep it open after it is open.
answered 4 years, 3 months ago
by Terry82
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 12
I don't believe so, we have never been charged a fee, regardless of how high or low the account is
answered 4 years, 3 months ago
by Salli
Wichita Falls, TX
0points
0out of 0found this answer helpful.
answer 13
No minimum account balance is required.
answered 4 years, 3 months ago
by Seattle Mom
Seattle, WA
0points
0out of 0found this answer helpful.
answer 14
Our checking account does not have a minimum balance.
answered 4 years, 3 months ago
by AlaskaGirl
Seward, AK
0points
0out of 0found this answer helpful.
answer 15
No it Does not my advice is get usaa free checking you wont regret it...
answered 4 years, 3 months ago
by Danny B
Bronx, NY
0points
0out of 0found this answer helpful.
answer 16
Nope! I've had a couple of dollars and cents and have never been charged for or notified about any fees.
answered 4 years, 3 months ago
by Francs
Fort Bragg, NC.
0points
0out of 0found this answer helpful.
answer 17
No, There is no minimum to keep in your account. USAA will not charge you like other banks if you dont keep a minimum
answered 4 years, 3 months ago
by Gonzalez
Mississippi
0points
0out of 0found this answer helpful.
answer 18
No I doesn't require a minimum balance
answered 4 years, 3 months ago
by Pflz
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 19
I opened up my account with $25. At present I do not believe that there is a minimum amount requirement.
answered 4 years, 3 months ago
by USNCPO
Welches, Oregon
0points
0out of 0found this answer helpful.
answer 20
No minimums! We frequently have balances much lower than we'd care to admit :)
answered 4 years, 3 months ago
by Sub Hunter
Hollister, CA
0points
0out of 0found this answer helpful.
answer 21
Sure doesn't.
When you initially open the account they will require $25 to be deposited, and they place a hold on that for a few weeks, but after that they release it and you are not required to keep a minimum balance.
answered 4 years, 3 months ago
by Dominantly
San Diego, CA
+1point
1out of 1found this answer helpful.
answer 22
I don't believe I have a minimum requirement in the 10+ years I've been with USAA which is an even greater benefit considering that so many people are living paycheck to paycheck in this economy.
answered 4 years, 3 months ago
by MsChrisMac
Dulles, VA
0points
0out of 0found this answer helpful.
answer 23
Not that l know off
answered 4 years, 3 months ago
by Garlism
Bradford MA
0points
0out of 0found this answer helpful.
answer 24
I think if I remember, there is not a minimum balance; however, I always keep at least $1 in all of my accounts.
answered 4 years, 4 months ago
by sjoseph1988
Houston, TX
0points
0out of 0found this answer helpful.
answer 25
No minimum balance. AND they reimburse for ATM fees up to $15.00 dollars.
answered 4 years, 4 months ago
by Lynnezer
Essex Jct., VT
0points
0out of 0found this answer helpful.
answer 26
No they do not. Just a start up fee of
$25 to open. Free checks for life and no account fees.
answered 4 years, 4 months ago
by dc76522
Texas
0points
0out of 0found this answer helpful.
Question

How good is the online banking?

How good is the online banking? For example the ease of bill pay, how soon debit's are applied to the account, and other items like this.
Asked 4 years, 7 months ago
by General Patton
NE Texas
0points
0out of 0found this question helpful.
25 answers
Answers
answer 1
99% of our banking is done online. 95% is through USAA. When I retire, closer to 99% will be USAA. There Bill Pay is the best I have ever seen. Their convenience for fund transfer is the best ever. Debits are usually show up seconds/minutes after you make a purchase. That is dependent more on the merchant and how fast they make the transaction. I can go to Lowe's, make a purchase, go home, check USAA, and there the debit is. OR you can call USAA on your phone and get great automated service! I use this when traveling and don't have internet access (yes, there are still places like that!)
answered 4 years, 6 months ago
by Anonymous
Miami
0points
0out of 0found this answer helpful.
answer 2
My husband and I both love it. We deposit our checks at home through a scanner, Bill Pay is great, ATM fees are refunded, and deposits are available immediately. Also, customer representatives are always friendly, helpful, and they do not waste my time. The only complaint I have is that we can't deposit cash but has not affected us very much. Hope this helps.
answered 4 years, 7 months ago
by Clarissa
Alexandria, VA
0points
0out of 0found this answer helpful.
answer 3
Best online banking I have ever used! It is effortless and easy. The debits are reflected almost immediately for inner bank transfers. For Non-USAA accounts, bills, etc... It is reflected as soon as the company process's it. Love it:)
answered 4 years, 7 months ago
by KnowlEdge
Oklahoma
0points
0out of 0found this answer helpful.
answer 4
We have been with USAA for many years and have used the online banking since it began. Never have we had any problems. We use it to pay all our bills. We have numerous checking accounts. It is simple to transfer money to our daughter and between different accounts. The scanning for deposits works flawlessly. Our adult daughter and her husband now have their acct. with USAA because of the scanning of deposits. All transactions all instantaneous.
answered 4 years, 7 months ago
by iris
Mequon, WI
0points
0out of 0found this answer helpful.
answer 5
It's pretty awesome. USAA either establishes an electronic payment, or will mail a check to the recipient.

In my 8 years with USAA, I have never had a late payment with their online banking system. I think USAA started their online banking system before most banks, so the system is quite robust and developed.
answered 4 years, 7 months ago
by ErnestS
Reston, VA
+1point
1out of 1found this answer helpful.
answer 6
Debits are applied quickly, sometimes it depends on where you made the purchase, however I know if I buy at walmart as soon as I get home its already there. I don't have much experience in the bill paying department, except for the credit card and it goes through fast. The truth is this bank is awesome! ex: I was double charged at a store I called usaa and they immediately took it off, they make everything really easy and if you have any problems just call them. Hopes this helps, Adriv.
answered 4 years, 7 months ago
by adriv
Carthage, NY
0points
0out of 0found this answer helpful.
answer 7
I have never had an issue with the online banking. Bill pay is great. It basically is the same program most banks use now for bill pay. The only thing is that if you don't have a scanner or an iPhone you will have to mail checks in (you can order free deposit envelopes that are already have the postage paid) and that takes a few days to post to your account. If you are eligible to join USAA they should be your bank I wasted a few years with some other bank while I had USAA only for insurance and I still regret it. No issues with the online banking here.
answered 4 years, 7 months ago
by 2Bach
Kerman, CA
0points
0out of 0found this answer helpful.
answer 8
AWESOME. THis is not an understatement. I have been with USAA for 5 years and I love them! My brother and sister both work for another bank and they even bank here!
Top Contributor
Top Contributor
answered 4 years, 7 months ago
by DMatt
BMatt
0points
0out of 0found this answer helpful.
answer 9
I think it's excellent.

It's easy to set up Bill Pay with any new payees. When you have a new bill, it shows you the minimum amount due and the total balance so you can click on whichever amount you want to pay. I like that there is a confirmation screen where you have the chance to review all the payments you've scheduled. And I really like that you can monitor (and cancel) pending payments.

I'm not sure what you mean about the speed of debits being applied to the account. I do know that when you transfer funds between accounts, it happens instantaneously. That's great for me if I want to transfer money to my checking account so I can pay a bill. I don't have to wait at all and can get everything done in one session.

Good luck. I definitely think you should try it out!
~Susannah
answered 4 years, 7 months ago
by Susannah
Pennsylvania
0points
0out of 0found this answer helpful.
answer 10
I really like internet banking. I rarely call or visit the bank. Web billpay really helps keep track of bills and schedule them. You can schedule the bill as soon as you get them and forget it. USAA had initial terms as per that if they mess up your bill they would pay your bill on your behalf dont know for sure if they still have that.
answered 4 years, 7 months ago
by pa guy
PA
0points
0out of 0found this answer helpful.
answer 11
I would have to rate the online banking, on a scale of 1 to 10, a solid 10. I have been using USAA's online banking for almost 6 years now, and have never had any problems or complaints. Bill pay is a breeze, and even if a debit hasn't officially "posted" to your account, you can view all transactions, even if they are "pending" in real time.
answered 4 years, 7 months ago
by kdog0121
0points
0out of 0found this answer helpful.
answer 12
The online banking at USAA is amazing. I have banked with USAA for 3 years and I plan on being a lifetime member. The web bill pay is a piece of cake. First set up your billers account(s) info, then all you have to do is click pay every month, or you can have the account set up for automatic draft. It is outstanding. Debit purchases will show up in you online checking statement immediatly. USAA has made it very easy to keep up with how much you are spending and what your balance is. If you go with USAA for all your banking needs, you really won't be disappointed.
answered 4 years, 7 months ago
by ShaunaLea
Boerne, Tx
0points
0out of 0found this answer helpful.
answer 13
Most effort involved in billpay is in setup. Enter a few items and they will look up the payee for you. Worst case is that they have to send a check instead of an electronic payment. Many debits can be handled in two business days; checks will obviously take longer depending on when they are deposited by the payee.
answered 4 years, 7 months ago
by soldieron
Frisco TX
0points
0out of 0found this answer helpful.
answer 14
If you are comfortable using the internet and other online services, USAA online banking is simple and easy.

Their online bill payment system is similar to other online programs: it's easy to set up, monitor, and use. You can use it to make automatic payments, and if you are paying large companies, you can set up electronic billing.

I use it to send checks to people for gifts and to pay all of my bills. I also routinely use to transfer money to and from accounts at other institutions.
answered 4 years, 7 months ago
by Shibumi
New Delhi, India
0points
0out of 0found this answer helpful.
answer 15
Online banking is excellent. the billpay has gotten much better in the past two years, it even tells you approx how long your funds should take to arrive at the payee. We haven't walked into a bank in over 5 years
answered 4 years, 7 months ago
by Timsgonnawinanipod
Illinois
0points
0out of 0found this answer helpful.
answer 16
We have always been super pleased with this online banking the only debit you don't see right away is gas it shows at a pending purchase for $1 but it is easy to tell what it is. We love the bill pay it makes planning our budget super easy! We tried Bank of America when we first moved to va just to have a local bank but found their online banking lacking in many ways we just love USAA!
answered 4 years, 7 months ago
by Lenright
Hampton, va
0points
0out of 0found this answer helpful.
answer 17
I'm very satisfied with the online banking! I'm not sure of the Bill Pay, I have not used that feature. However, my checks clear quickly (I hate having checks floating around out there). The only delay that's slightly annoying is over the weekend it takes time to change from a pending debit purchase (for debit cards) to a confirmed debit purchase. This is annoying when you buy gas and it shows $1 but you know it's more than that obviously and I can never remember exactly how much I spend on gas. Other than that I love online banking. Use it almost every day.
answered 4 years, 7 months ago
by jdmorris
Colorado Springs, CO
0points
0out of 0found this answer helpful.
answer 18
I have found the service excellent and quick. I have had multiple bills paid through my online banking with no issues. In addition, I have seen debits showing in the account in a matter of minutes (showing as pending debit transaction). The amount is already subtracted from your available balance. An added plus was recently my rewards debit card was lost and through the mobile site, I was able to halt the card and order a new one. The entire process was quick, easy and secure. I am thrilled with the service and do not regret a day that I changed my banking to USAA.
answered 4 years, 7 months ago
by Texasgent
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 19
Online banking is great! We have been with USAA for 7 years now and have never had any issues. USAA customer service is always available and their website is easy to use. Highly recommend online banking!
answered 4 years, 7 months ago
by Nichole
San Angelo, TX
0points
0out of 0found this answer helpful.
answer 20
I have been with USAA for about 7 years now, and I have really enjoyed their online banking. They have many great features such as: their interface is easy to use and understand, the deposit from home feature is instantaneous, transfers between your USAA accounts are also instantaneous, payments to any of your USAA credit cards or insurance are made the same day, they have mobile apps that work quite well on the Iphone and Blackerry (I use the Blackberry app daily), and any deposits made are registered for that day before any debits. You'll know how needed that last feature is if you've ever had to deposit mony or transfer funds to cover a check at another bank, and then found that they bounce your check before they credit your account. Plus, try being away from home and depositing money online through another bank! It just won't happen.
All in all I'd say you can't go wrong with USAA when it comes to online/mobile banking.
answered 4 years, 7 months ago
by WAN2RIDE
Apex, NC
0points
0out of 0found this answer helpful.
answer 21
I love it! With Billpay, my payments are delivered by the date selected for payment. I never pay for stamps or have to lick the back of an envelope again! I have banked with USAA exclusively for my personal banking for several years now and I have never had a banking issue. My only regret is they do not offer Commercial Banking.

Keep in mind never schedule a payment without available funds and it is still left up to the company you are making the payment to... to deposit payment. But when it comes to getting your payment there on time... it's great.
answered 4 years, 7 months ago
by CherieB
Augusta, GA
0points
0out of 0found this answer helpful.
answer 22
I love USAA online banking! Depositing checks, transferring funds, using ATMs, getting "rewards" for using your debit/Mastercard, etc. its all easy and rewarding. When my daughter was in college, she banked with the college. I set up my USAA account to automatically transfer money into her account each month so she had spending money. I now have my mother in law set up to receive automatic transfers from our USAA account. Unfortunately, she is not able to have a USAA account, as she doesnt live with us, however, the transfers go through each month like clockwork. USAA is awesome!! I also love the bill pay. I have my mortgage, car payments and insurance set up on bill pay. Its nice to know I dont have to worry about it if I am out of town or for any other reason, cant get out to pay the bill.
answered 4 years, 7 months ago
by bdain2003
Chesapeake Va
0points
0out of 0found this answer helpful.
answer 23
I am a huge fan of USAA's online banking system. The bill pay system is wonderfully easy to use, you can schedule the payment of your bills as far in advance as you'd like, and the debits are applied on the day you designate. You can easily see your payment history for any bill, and can easily make modifications to any scheduled payment (as long as it hasn't started the payment process yet). It takes a little time to set up initially (entering each biller's account info, address, etc..) but it is well worth the time investment.

I use USAA for virtually all my banking needs, and I really don't have any complaints. The lack of a physical bank to make deposits bothered me initially, but now you can scan & deposit checks on line, which is even more convenient than driving to a location!
answered 4 years, 7 months ago
by Jess1234
Jacksonville, FL
0points
0out of 0found this answer helpful.
answer 24
After using USAA's online banking for about a year, I have decided to cancel my other bank accounts. This is a testament to how much I enjoy using USAA's services.

In response to your question, bill pay is excellent. If you have an account number with another company, USAA will pay your bill electronically by the date you request. If you don't have an account number and just want to pay an individual, USAA will mail that person a check for free. It couldn't be easier. I don't fill out physical paper checks anymore.

As far as debits are concerned, it appears that you will see them pending on your account almost immediately, but it may take a day or two for the transaction to be completed and posted.

In general, USAA is above average when it comes to online banking. It seems like they are ahead of most major banks when it comes to technology. A great example is the ability to scan checks (or take pictures of checks with an iPhone) and deposit them to your account, simply by logging into USAA.com. I love it!
answered 4 years, 7 months ago
by YouEsEhEh
Ft. Huachuca, AZ
0points
0out of 0found this answer helpful.
answer 25
second to none... period

I have used usaa for about 8 years now and I wouldn't trade for anything.
answered 4 years, 7 months ago
by Brittain
Choctaw, OK
0points
0out of 0found this answer helpful.
Question

how do i open up another account but make it a joint account with another USAA member?

we both have checking accounts but want to open an additional checking account and make it a joint account.
Asked 4 years, 5 months ago
by carmen
0points
0out of 0found this question helpful.
25 answers
Answers
answer 1
Just call the USAA number and they can three way call between the two of you to set up a joint account.
answered 4 years, 5 months ago
by Nikkipar
Biloxi MS
-1point
0out of 1found this answer helpful.
answer 2
It's actually quite easy, but the best thing to do is call USAA and they will walk you through it and you'll be sure there are no mistakes and the account is active right away.
answered 4 years, 5 months ago
by Knockster
-1point
0out of 1found this answer helpful.
answer 3
It is very easy. Just call them and they will add the other member to the account. Then all you have to do is log on and add a nickname for the account and call it Joint.
answered 4 years, 5 months ago
by trig
South Dakota
-1point
0out of 1found this answer helpful.
answer 4
Go to (click on) 'Products & Services' and 'checking' under Banking, then open a free checking account. During the process it should ask if it will be an joint account.
answered 4 years, 5 months ago
by Army All The Way
TX
-1point
0out of 1found this answer helpful.
answer 5
Online when you start doing the process of opening a acct. it will ask if you want to add a person(joint) have the other person Social Security Number ready, or call 800 num. Usaa they will take you step by step their are very Good!
answered 4 years, 5 months ago
by Motita
Fort Bragg, NC
-1point
0out of 1found this answer helpful.
answer 6
Call Customer Service!
answered 4 years, 5 months ago
by Police Officer
Galt, CA
-1point
0out of 1found this answer helpful.
answer 7
either party simply opens the additional account and adds the other as a joint user. i have the same set up with a savings account of mine we have two seperate checking accts. and a joint savings. if you can't figure it out call 1-800-531-USAA
answered 4 years, 5 months ago
by Bad Investor
Pensacola, FL
-1point
0out of 1found this answer helpful.
answer 8
I have done this. I own a home with a sibling. We both have individual accounts with USAA and a joint account with USAA for household expenditures. We are both able to access it online and via debit cards/checks.
answered 4 years, 5 months ago
by Mack
TX
-1point
0out of 1found this answer helpful.
answer 9
You can do this online -
Go to the "PRODUCTS AND SERVICES" Tab
Click one the Service you would like-
example: Checking
Click on open account
Select your account type
example: Checking with a minium deposit amount
Select Account Holders
example: Joint
Choose additional account holder or you can add an account holder at this time.
If you do not see the appropriate relationship of the other person. You need to call Customer Service at 1800-531-8111 or 1800-531-USAA(8722)
answered 4 years, 5 months ago
by Kimberly from FLA
Tampa Bay Area
0points
1out of 2found this answer helpful.
answer 10
You can call and they will mail each person to be on the account a form to autherize it and it is a done deal.
answered 4 years, 5 months ago
by Anonymous
Texas
-1point
0out of 1found this answer helpful.
answer 11
I'm not sure if the same rules apply for non-spouses, but my husband (also a USAA member before our marriage) and I opened a joint checking account by calling customer service and having them set it up. It was easy, as everything with USAA is and it shows up under both of our online profiles, giving both of us access when we log online.
answered 4 years, 5 months ago
by melissy
Knoxville, TN
-1point
0out of 1found this answer helpful.
answer 12
Call up USAA Customer Service. They helped my wife and I create a joint account in less than 5 minutes over the phone. The new joint account will be viewable from each individual member's USAA log-in screen, but your individual accounts will not be visible to your spouse. Hope this helps.
answered 4 years, 5 months ago
by JscubaOSH
Seattle, WA
-1point
0out of 1found this answer helpful.
answer 13
If the member is someone like your wife and is named on auto-policies etc, or credit cards it will ask automatically if you want a joint account. At least this was my experience.
answered 4 years, 5 months ago
by HappyPete
Seattle WA
-1point
0out of 1found this answer helpful.
answer 14
When you click on open a new acct it will ask you if you want it to be a joint acct - and then it will give you the option to enter the other person's USAA # - doing so will fill in that person's details for you, very easy!
answered 4 years, 5 months ago
by Darci
Allentown, PA
-1point
0out of 1found this answer helpful.
answer 15
Just call USAA and ask to open a joint checking account. What they'll do is they'll set it up so you can access it from your USAA account, and the other account holder will access it from his or hers. That way your other accounts and information won't be compromised if you don't want to give the other account holder access to everything in your account.
Good luck.
answered 4 years, 5 months ago
by Irinka
Killeen, TX
-1point
0out of 1found this answer helpful.
answer 16
That's easy just open another account and add the person. My wife and I did that.
answered 4 years, 5 months ago
by Obama is the best
DC metro area
-1point
0out of 1found this answer helpful.
answer 17
I have done this. Call the 1-800 number from the contact Us. It is very easy from there.

My wife and I have different USAA numbers and different Accounts. We both see the same accounts that are Joint, but she cannot see my accounts that are only in my name and I cannot see the ones in only her name.

Hope that helps.
answered 4 years, 5 months ago
by Fraud Victim
Houston, TX
-1point
0out of 1found this answer helpful.
answer 18
My wife has her own accounts through USAA and I just linked our accounts by adding her to my accounts and me to her accounts. I can freely transfer money between all accounts. What a great feature, no signature cards to sign like other banks.
answered 4 years, 5 months ago
by Dewey
Syracuse,Ny
-1point
0out of 1found this answer helpful.
answer 19
It will ask you during the setup if the account to be opened is joint. It is when you add parties to the account. I advise you to call USAA's excellent customer care to set it up for you. You can even set it up to where you both can transfer funds to/from your current acount but I to advise you to call for support. My nefew is also a member with usaa and has his own account. We set it up where we can transfer to and from our accounts on our account page online. NOTE! you can only transfer out of your own account
answered 4 years, 5 months ago
by Kywindage
Any where with access to Phone/Intranet services.
-1point
0out of 1found this answer helpful.
answer 20
Easy to do. Create the checking account in your name and ask USAA to link the other member to it. Both of you will have access to this joint account and be able to see all transactions, make deposits and withdrawals from it. Also, checks tied to this account will have both of your names on them. My spouse and I have a joint account where our incomes are direct-deposited. But we give ourselves monthly allowances via automatic deposits from this joint account to our individual checking accounts...all with USAA. Great product!
answered 4 years, 5 months ago
by JEKPro
Texas
-1point
0out of 1found this answer helpful.
answer 21
One of the two people will be the primary account holder, but both names will appear on the account and both will receive a Debit card. You can both keep your separate checking accounts but one person will need to call in to USAA and set up the additional account. It is a very quick and easy process.
answered 4 years, 5 months ago
by Columbia
MD
-1point
0out of 1found this answer helpful.
answer 22
you need to call USAA and have them send you signature cards for you to sign and return them. After that, you will have a joint account and can get a checkbook in your names.
answered 4 years, 5 months ago
by USAF1
NY,NY
-1point
0out of 1found this answer helpful.
answer 23
just call them, and tell them what you want to do. we have the same thing, we both have our own checking accts, but are joint on everything else (with seperate log on's)
answered 4 years, 5 months ago
by kennys mommy
sd, ca
-1point
0out of 1found this answer helpful.
answer 24
You and the other USAA member call up USAA at 800-531-2265 and ask for a representative and tell them that you would like to open up a joint account and they can assist you from there
answered 4 years, 5 months ago
by aperson26
DFW Metroplex, TX
-1point
0out of 1found this answer helpful.
answer 25
Carmen,

It's as simple as a phone call to USAA and they can do it.
answered 4 years, 5 months ago
by CatMomma
Owensboro, KY
-1point
0out of 1found this answer helpful.
Question

SINCE I'M A MEMEBER CAN MY WIFE USE THE SERVICES ALSO, SHE WOULD LIKE TO OPEN UP A CHECKING/OR SAVINGS ACCOUNT OF HER OWN IS THIS POSSIBLE

 | Army
Retired
 | 
PHILA, PA
Asked 3 years, 3 months ago
by JAMAKE
PHILA, PA
0points
0out of 0found this question helpful.
19 answers
Answers
answer 1
Of course she can! She is eligible for exactly the same services you receive.
answered 3 years, 2 months ago
by llCassiell
0points
0out of 0found this answer helpful.
answer 2
My dad is a member and got my mom a membership, so I don't see why not. You should get her one- it's worth it.
 | Army
Family
 | 
Norfolk, VA
answered 3 years, 2 months ago
by bunnyelle75
Norfolk, VA
0points
0out of 0found this answer helpful.
answer 3
I know a little bit since I use to work here. Depending on what your services are. If you are military personnel, son/daughter of a military personnel who has locked in on services with USAA or have served honorably in the Military. Anyone can have checking/savings/ect with USAA, its the products such as insurance for car, home ect that are limited. Hope this helps....
 | Air Force
Active
 | 
San Antonio
answered 3 years, 2 months ago
by JenJenRP
San Antonio
0points
0out of 0found this answer helpful.
answer 4
Yep - as a USAA member, your spouse is entitled to her own USAA number. You can then either open a separate account for her, or add her as a joint owner of your existing account.
answered 3 years, 2 months ago
by vp475
Philadelphia, PA
0points
0out of 0found this answer helpful.
answer 5
Hi,
My father was the first member in my family, then my mother, and as we grew up, all of their kids have become members. USAA will cover active duty and retired military as well as their dependents. I have now been with them for over 25 years and they have been great.
 | Air Force
Brat
 | 
Alamogordo, NM
answered 3 years, 2 months ago
by Wendy D
Alamogordo, NM
0points
0out of 0found this answer helpful.
answer 6
Yes, if you're a member than she's eligible also for all of USAA's products. I was eligible via my father, who is now retired, therefore my husband was also eligible.
 | Army
Family
 | 
New Orleans, LA
answered 3 years, 2 months ago
by jdwoof
New Orleans, LA
0points
0out of 0found this answer helpful.
answer 7
Yes, my husband is a member and I reap all of the same benefits too! Its wonderful! Best bank I have ever had! 5 STARS!! -Military spouse
 | Army
Spouse
 | 
Pittsburgh, PA
answered 3 years, 2 months ago
by BoxingChamp
Pittsburgh, PA
0points
0out of 0found this answer helpful.
answer 8
Yes your spouse can open an account. You would just have to contact USAA.
 | Army
Active
answered 3 years, 2 months ago
by lgrubbs425
0points
0out of 0found this answer helpful.
answer 9
Yes. My wife has been a member and had her own accounts for many years.
 | Air Force
Retired
 | 
Texas
answered 3 years, 2 months ago
by tricetex
Texas
0points
0out of 0found this answer helpful.
answer 10
Yes, My father used to be the only qualified member, but I found out that his USAA benefits go to me and my sisters as well as my mother. I opened up an account of my own with no problem.

Your kids will be able to use USAA as well.
 | Army
Family
 | 
Seattle, WA
answered 3 years, 2 months ago
by JanW
Seattle, WA
0points
0out of 0found this answer helpful.
answer 11
Yes your wife can have checking and saving account of her own or be attached to yours. You can even set up investments her her with usaa.
answered 3 years, 2 months ago
by W Self
0points
0out of 0found this answer helpful.
answer 12
Yes, she can open an account, kind of...technically, YOU have to open a joint account and list her on it. You'll be listed on there too, but obviously, you don't have to use the account. She can then get her own sign-in information and have a separate login from yours. She will only have access to the accounts that she is listed on. This is what my wife and I do. I get a card for her account, but I just shred mine and she uses hers and she has most of the same accesses that I have for scanning checks, transfers, etc.
 | Army
Separated
 | 
Lancaster, PA
answered 3 years, 3 months ago
by Jacob2178
Lancaster, PA
0points
0out of 0found this answer helpful.
answer 13
My husband was a member before we were married, I have my own account with USAA. I would call into customer service.
answered 3 years, 3 months ago
by mnsnow
0points
0out of 0found this answer helpful.
answer 14
Yes, my wife and I have separate USAA account numbers and she has her own logging and accounts. Since you are an eligible member of USAA your dependants can go from your membership; hope this helps.
 | Air Force
Active
 | 
San Antonio, TX
answered 3 years, 3 months ago
by Worthysole
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 15
Yes, she can use USAA as well, my spouse uses it! :)
 | Army
Active
 | 
Ft. Belvoir
answered 3 years, 3 months ago
by theZ
Ft. Belvoir
0points
0out of 0found this answer helpful.
answer 16
I discovered years ago that USAA allows dependents (and even former dependents) to be members, so, yes, your wife can be a member. This is how I became a USAA member.
 | Navy
Family
 | 
Cheverly, Md.
answered 3 years, 3 months ago
by Sarally
Cheverly, Md.
0points
0out of 0found this answer helpful.
answer 17
yes, i went to the branch and open a acct . and iam not mililary...
answered 3 years, 3 months ago
by ladynpink04
0points
0out of 0found this answer helpful.
answer 18
Your wife can definitly use it. I am a military wife and I use the services way more than my husband. She will not have any problems getting into all of the different services they have to offer.
 | Army
Spouse
answered 3 years, 3 months ago
by armymom3
0points
0out of 0found this answer helpful.
answer 19
Yes
answered 3 years, 3 months ago
by shields01
0points
0out of 0found this answer helpful.
Question

What are the fees for overdrafts?

I have not linked my account to a savings account yet but just want to have that information.
Asked 4 years, 6 months ago
by shujin
hawaii
0points
0out of 0found this question helpful.
18 answers
Answers
answer 1
That is easy. $0. Just don't have any. Manage you money!
answered 4 years, 5 months ago
by trig
South Dakota
-1point
0out of 1found this answer helpful.
answer 2
I believe that the overdraft fee is $37.00 If you don't have a savings account yet, USAA does let you link the overdraft protection to an outside (Non-USAA issued) credit card. It's a great option.
answered 4 years, 5 months ago
by TILEG
Philadelphia, PA
0points
0out of 0found this answer helpful.
answer 3
The NSF (non-sufficient funds) fee is $29 per item. Overdaft fees apply in addition to NSF Fees and/or Chargeback Fees as long as the account remains overdrawn (if you don't have overdraft protection). The fees there are 10% annum
answered 4 years, 5 months ago
by Fishbate
Fort Stewart, GA
0points
0out of 0found this answer helpful.
answer 4
$29. But if you ask them to please help you make sure that never happens again, I bet they will be happy to make one of your other accounts be a back-up, so that if you're ever short on funds, the amount you're short comes out of an account of your choice. And they're so nice, I bet they'll waive the $29 fee before the phone call is over:)
answered 4 years, 5 months ago
by The Farons
Los Angeles, CA
0points
0out of 0found this answer helpful.
answer 5
$29
answered 4 years, 5 months ago
by avaladez
mcallen,texas
0points
0out of 0found this answer helpful.
answer 6
An NSF/Overdraft fee is currently $29. Trust me, I would know...
answered 4 years, 5 months ago
by dhumann05
Cleveland, TN
0points
0out of 0found this answer helpful.
answer 7
I believe it is a $29 overdraft fee.
answered 4 years, 5 months ago
by amstock
Idaho Falls, ID
0points
0out of 0found this answer helpful.
answer 8
Logon to USAA.com. Choose your checking account under my accounts. Click on the link to manage overdraft accounts. Choose the account that you want to protect (checking) and choose the account where the overdraft fees should be deducted from (savings). You have a primary and a secondary option if you have multiple accounts set up.
answered 4 years, 5 months ago
by Melanie Lott
Moncks Corner, SC
0points
0out of 0found this answer helpful.
answer 9
I think it is $29.
answered 4 years, 5 months ago
by Anonymous
Texas
0points
0out of 0found this answer helpful.
answer 10
No fee for an overdraft. $29 fee if there are no funds available (i.e. overdraft fails or there is no overdraft set up). If you check your account daily, you can also catch and correct anything that happens in order to avoid a fee-- as long as you have other funds to move around. Really convenient.
answered 4 years, 5 months ago
by Polar Dynasty
Redondo Beach, CA
0points
0out of 0found this answer helpful.
answer 11
Hello,
I think the overdraft fees are $25 per OD, I am not sure but I do know it is cheaper than Bank of America-those OD fees are ridiculous. I hope this helps you, and if not contact customer service.
answered 4 years, 5 months ago
by BMuldrow
Columbus, GA
0points
0out of 0found this answer helpful.
answer 12
$29.00
answered 4 years, 5 months ago
by Kristin
San Antonio, TX
0points
0out of 0found this answer helpful.
answer 13
I believe the Nonsufficient Funds fee is $29 from USAA. Then you also have to factor in most places that you shop at also charge another fee like $25 for Nonsufficent Funds so it adds up pretty quick.
answered 4 years, 5 months ago
by CatMomma
Owensboro, KY
0points
0out of 0found this answer helpful.
answer 14
Link the accounts unless you want to pay $29.00 per over draft.
answered 4 years, 5 months ago
by Dewey
Syracuse,Ny
0points
0out of 0found this answer helpful.
answer 15
$29.00
answered 4 years, 5 months ago
by Dashing
San Antonio, Texas
0points
0out of 0found this answer helpful.
answer 16
$29
answered 4 years, 5 months ago
by aperson26
DFW Metroplex, TX
0points
0out of 0found this answer helpful.
answer 17
There is no overdraft fee at all if you link your account to your credit card if you have one through USAA. We have accidentally done it several times when my wife and I are separated due to deployments, so that is your best course of action.
answered 4 years, 5 months ago
by Sam Baker and Family
Fort Rucker, AL
0points
0out of 0found this answer helpful.
answer 18
$29 per transaction that becomes overdrawn. Which is not bad compared to other banks.
Top Contributor
Top Contributor
answered 4 years, 5 months ago
by Mandy07
Phoenix, AZ
0points
0out of 0found this answer helpful.
Question

What is the maximum ATM daily cash withdrawal allowed?

Asked 4 years, 5 months ago
by DSA1
Japan
0points
0out of 0found this question helpful.
18 answers
Answers
answer 1
$600 dollars, but I think you can call USAA and have your limit raised if you need to for a limited time.
answered 4 years, 5 months ago
by parklife1977
England
0points
0out of 0found this answer helpful.
answer 2
$600.00 per ATM card. My husband and I have a joint account. He takes out $600.00 on his ATM card then I can go to the ATM and take out an additional $600.00 out of my ATM card.
answered 4 years, 5 months ago
by Taylor
Corpus Christi TX
+3points
3out of 3found this answer helpful.
answer 3
I have seen and experienced different maximum withdrawals from ATM even worldwide. I believe that the maximum withdrawal is determined by the bank that owns the ATM and in some instances, the independent owner of the ATM unit that services it can decide what the max is.

I hope to answer your question.
answered 4 years, 5 months ago
by pbelair
Leavenworth, KS
0points
0out of 0found this answer helpful.
answer 4
I believe it is $600 per cardholder. For instance if you and your spouse both have an ATM card for the same account, you can both withdrawal $600 each on the same day.
answered 4 years, 5 months ago
by Anonymous
Germany
0points
0out of 0found this answer helpful.
answer 5
Daily limits are:
ATM withdrawals, $600.
Point-of-sale purchases, $3,000.
MasterCard® purchases, $3,000.
Cash advances, $1,000.
answered 4 years, 5 months ago
by Small OX
Clarksville, TN
+2points
2out of 2found this answer helpful.
answer 6
usually $600
answered 4 years, 5 months ago
by Lanes
GA
0points
0out of 0found this answer helpful.
answer 7
$600
answered 4 years, 5 months ago
by jenng
LA, Cali
0points
0out of 0found this answer helpful.
answer 8
Normally $600 at ATM or Debt Card purchase $3,000 daily allowed. Remember you can also contact Customer Service at 1800-531-USAA (8722) if you need a higher withdrawl or debt perchuse amount on your account(s).
answered 4 years, 5 months ago
by Kimberly from FLA
Tampa Bay Area
0points
0out of 0found this answer helpful.
answer 9
I believe it is $1000 but it can be temporarily raised by calling customer service. They can also raise the amount per withdraw limit (I believe it is normally $400 or $600) so you can avoid standing at the ATM running multiple transactions to get more money out.
I've been looking through the reviews and a lot of the complaints people have can be easily taken care of by calling customer service and explaining your situation and needs to them, they have always been able to provide us with satisfactory solutions.
answered 4 years, 5 months ago
by melissy
Knoxville, TN
0points
0out of 0found this answer helpful.
answer 10
I believe it is variable. I have had different limits in the past. Just call customer service and they can set it up for you.
answered 4 years, 5 months ago
by Dashing
San Antonio, Texas
0points
0out of 0found this answer helpful.
answer 11
its $600, per ATM card holder within the account itself,

now you can call up USAA and they can authorize an even higher dollar amount for withdrawal. as far as you giving them a valid reason for it

ive done $1,200 one time, as a daily withdrawal
answered 4 years, 5 months ago
by QShip
New Rochelle, NY
0points
0out of 0found this answer helpful.
answer 12
$600, no matter what bank. If you have a spouse that has a card too, then you can pull up to $1200 a day.
answered 4 years, 5 months ago
by burlybiker
NC
0points
0out of 0found this answer helpful.
answer 13
My maximum limit is $600 daily. As I recall, it has increased with time. You can easily call 800 531- BANK and ask. On several occasions I have even requested that the limit be raised for one day when I needed extra cash. USAA was happy to help, and I was impressed that they did!
answered 4 years, 5 months ago
by RandallC
Seattle, WA
0points
0out of 0found this answer helpful.
answer 14
I know that Mine is set to $600 per card, per day, so between my wife and I we can both withdraw a total of $1200 per day. I believe that I had to have it changed to this amount though. You can call to have certain amounts set within reason. They would not tell me how much they would allow, they just asked how much I wanted and they agreed.
answered 4 years, 5 months ago
by Paul08055
Medford, nj
0points
0out of 0found this answer helpful.
answer 15
$600 per card
answered 4 years, 5 months ago
by Collins
NEPA
0points
0out of 0found this answer helpful.
answer 16
Dont quote me on this but i thought it was $600
answered 4 years, 5 months ago
by teetoo12
ft brag, nc
0points
0out of 0found this answer helpful.
answer 17
The daily limit is $610 per day. They give you an extra $10 for ATM fees to be sure you get the full $600 if needed! If you ever need more than that, call them and they'll increase it for 24 hours! :) USAA rocks.
Top Contributor
Top Contributor
answered 4 years, 5 months ago
by Mandy07
Phoenix, AZ
0points
0out of 0found this answer helpful.
answer 18
No I would like to know the answer.Please
answered 4 years, 5 months ago
by army 1on 1
Washington
-1point
0out of 1found this answer helpful.
Question

Free transfers to and from other banks?

Is it free to transfer money into your USAA account from another bank as well as from your USAA account to another bank?
Asked 4 years, 1 month ago
by bandrewk
Lexington, KY
0points
0out of 0found this question helpful.
17 answers
Answers
answer 1
YES
answered 4 years, 1 month ago
by USAA SERVICES
Maryland
0points
0out of 0found this answer helpful.
answer 2
Yes, as far as I know, bank transfers are Free.
answered 4 years, 1 month ago
by DrBradshaw
Fernandina Beach, FL
0points
0out of 0found this answer helpful.
answer 3
Completely Free To Transfer Funds
answered 4 years, 1 month ago
by Longassday
New Richmond, WI
0points
0out of 0found this answer helpful.
answer 4
YES absolutely free and its a great thing, you can add an external account and once its verified by 2 initial deposits you can transfer money to and from that account free of charge. When transferring from an outside account to USAA though any transfer from an outside bank to USAA, anything over $100 will be held for up to 3 days, 5 days on weekend. $100 will be available to you immediately though. Hope that answered your question.
answered 4 years, 1 month ago
by smontel
Sacramento, CA
0points
0out of 0found this answer helpful.
answer 5
Yes. I have never been charged by USAA for this very easy and convienent service.
answered 4 years, 1 month ago
by rickhaus
Maine
0points
0out of 0found this answer helpful.
answer 6
Yes, it is free. i have transferred money to and from other bank accounts. it is also quicker than stated in most cases only taking 1 day to post to one's account rather than 3 business days as i have been told.
answered 4 years, 1 month ago
by heather jt
massachusetts
+1point
1out of 1found this answer helpful.
answer 7
Yes it is all free that I am aware. I have transfered money to and from one account either with USAA or with another bank and have encountered any fees or charges.
answered 4 years, 1 month ago
by Coryray3
Houston, TX.
0points
0out of 0found this answer helpful.
answer 8
Yes. USAA does not charge fees for transfers. Transfers times make take up to three days though depending on the bank. Transfers within USAA accounts are instant.
answered 4 years, 1 month ago
by OgMandino
Milton, FL
0points
0out of 0found this answer helpful.
answer 9
yes, its completely free.
answered 4 years, 1 month ago
by prosper
boston
0points
0out of 0found this answer helpful.
answer 10
I believe it depends on the bank. I accrue no charges from USAA for my many transfers. But when I transfer between my USAA and my wife's bank, she is charged about 2 bucks.
answered 4 years, 1 month ago
by gotrice66
Antelope Valley, California
0points
0out of 0found this answer helpful.
answer 11
yes
answered 4 years, 1 month ago
by Pam B
Columbia, TN
0points
0out of 0found this answer helpful.
answer 12
yes! just add all the external accounts on USAA and transfer all you want. I do beleive there is a daily limit though.
Top Contributor
Top Contributor
answered 4 years, 1 month ago
by dawa
Japan
0points
0out of 0found this answer helpful.
answer 13
Depends on what you call free, if they continue to hold over 50% of your transfer for 3 business days, that's not free to me. It makes money for them but doesn't help you.
answered 4 years, 1 month ago
by Samtheyamiam
San Diego
-1point
0out of 1found this answer helpful.
answer 14
Yes!! That's why USAA is awesome!!! It's 100% free. And it's so easy to do on usaa.com.... just set up the external account in your funds transfer list and then you can use that external account within 3-5 bus to transfer to or from.
Top Contributor
Top Contributor
answered 4 years, 1 month ago
by Mandy07
Phoenix, AZ
0points
0out of 0found this answer helpful.
answer 15
As long as you have the account(s) linked to your USAA account you can transfer funds back and forth as much as you like! I have done several! USAA sends you immediate confirmation of the transaction on their end and they will also send you confirmation once they receive a deposit. Hope this helps!
answered 4 years, 1 month ago
by swatts
Denham Springs, LA
0points
0out of 0found this answer helpful.
answer 16
Yes--it's totally free.
answered 4 years, 1 month ago
by CollegeStudent Pat
Notre Dame IN, Washington D.C.
0points
0out of 0found this answer helpful.
answer 17
Yes! I have never been charged and I use this feature all the time!
answered 4 years, 1 month ago
by Heather L
Crestview Florida
0points
0out of 0found this answer helpful.